Kathy Bryan
kathyb@prudentialgateway.com
601.853.0414 office
601.540.8899 cell
Tuesday, July 26, 2011
Congratulations, Kathy Bryan!
Kathy Bryan
kathyb@prudentialgateway.com
601.853.0414 office
601.540.8899 cell
Friday, July 22, 2011
What is Title Insurance?
Buying and/or selling a home is no simple matter and some of the frequently asked questions I get are:
So... here you go! All the answers wrapped up in a quick video!
Thinking of buying or selling? Please contact me for any of your real estate needs.
Allan Summerlin, REALTOR
Prudential Gateway Real Estate
601-940-2126
- What IS title insurance?
- Do I really need it?
- Am I required to buy it?
So... here you go! All the answers wrapped up in a quick video!
Thinking of buying or selling? Please contact me for any of your real estate needs.
Allan Summerlin, REALTOR
Prudential Gateway Real Estate
601-940-2126
Monday, July 18, 2011
2 Sellers Will Trade
Two of my sellers will happily consider a trade!
MLS #228353
Click here for Details
101 RIDGE ST, MADISON, MS - $599,500 (Reduced by $69,500!)
Owners are willing to trade for property in Bridgewater, Reunion or Silas Meadow in Dinsmor!
LOST RABBIT of Madison. This beautiful custom-built home features a great floor plan with covered porches on 2 levels plus a separate screened porch! Awesome streamlined kitchen with custom cabinets, top-of-the-line appliances, SubZero fridge with cabinet panels. Each bedroom boasts walk-in closets. Large bedroom and bath over garage is perfect for guests or a mother-in-law suite. Fenced backyard. 5 bdr/4.5
baths.
MLS #211629
Click Here for Details
575 JOHNSTONE DR, MADISON, MS - $1,195,000
Owners are willing to trade for a large home in Northeast Jackson in proximity to First Pres or Jackson Prep.
JOHNSTONE of Madison. Gorgeous, one-of-a-kind, custom home! Situated on the large lake, this 5 bedroom, 5.5 bath home has it all. Wonderful floor plan designed with 2 bedrooms down and 2 bedrooms up and a large bonus room over the garage that could be an additional bedroom with bath. Grand kitchen is sure to please any cook plus an outdoor kitchen and fireplace on the screened porch makes this home perfect for entertaining year round! 4+ acre lot.
Contact me for information or to discuss options!
Rosemary Stovall, Owner/Broker
Prudential Gateway Real Estate
601.955.1522
MLS #228353
Click here for Details
101 RIDGE ST, MADISON, MS - $599,500 (Reduced by $69,500!)
Owners are willing to trade for property in Bridgewater, Reunion or Silas Meadow in Dinsmor!
LOST RABBIT of Madison. This beautiful custom-built home features a great floor plan with covered porches on 2 levels plus a separate screened porch! Awesome streamlined kitchen with custom cabinets, top-of-the-line appliances, SubZero fridge with cabinet panels. Each bedroom boasts walk-in closets. Large bedroom and bath over garage is perfect for guests or a mother-in-law suite. Fenced backyard. 5 bdr/4.5
baths.
MLS #211629
Click Here for Details
575 JOHNSTONE DR, MADISON, MS - $1,195,000
Owners are willing to trade for a large home in Northeast Jackson in proximity to First Pres or Jackson Prep.
JOHNSTONE of Madison. Gorgeous, one-of-a-kind, custom home! Situated on the large lake, this 5 bedroom, 5.5 bath home has it all. Wonderful floor plan designed with 2 bedrooms down and 2 bedrooms up and a large bonus room over the garage that could be an additional bedroom with bath. Grand kitchen is sure to please any cook plus an outdoor kitchen and fireplace on the screened porch makes this home perfect for entertaining year round! 4+ acre lot.
Rosemary Stovall, Owner/Broker
Prudential Gateway Real Estate
601.955.1522
Friday, July 15, 2011
5 Factors That Decide Your Credit Score
Credit scores range between 200 and 800, with scores above 620 considered desirable for obtaining a mortgage. The following factors affect your score:
1. Your payment history. Did you pay your credit card obligations on time? If they were late, then how late? Bankruptcy filing, liens, and collection activity also impact your history.
2. How much you owe. If you owe a great deal of money on numerous accounts, it can indicate that you are overextended. However, it’s a good thing if you have a good proportion of balances to total credit limits.
3. The length of your credit history. In general, the longer you have had accounts opened, the better. The average consumer's oldest obligation is 14 years old, indicating that he or she has been managing credit for some time, according to Fair Isaac Corp., and only one in 20 consumers have credit histories shorter than 2 years.
4. How much new credit you have. New credit, either installment payments or new credit cards, are considered more risky, even if you pay them promptly.
5. The types of credit you use. Generally, it’s desirable to have more than one type of credit — installment loans, credit cards, and a mortgage, for example.
For more on evaluating and understanding your credit score, visit www.myfico.com.
1. Your payment history. Did you pay your credit card obligations on time? If they were late, then how late? Bankruptcy filing, liens, and collection activity also impact your history.
2. How much you owe. If you owe a great deal of money on numerous accounts, it can indicate that you are overextended. However, it’s a good thing if you have a good proportion of balances to total credit limits.
3. The length of your credit history. In general, the longer you have had accounts opened, the better. The average consumer's oldest obligation is 14 years old, indicating that he or she has been managing credit for some time, according to Fair Isaac Corp., and only one in 20 consumers have credit histories shorter than 2 years.
4. How much new credit you have. New credit, either installment payments or new credit cards, are considered more risky, even if you pay them promptly.
5. The types of credit you use. Generally, it’s desirable to have more than one type of credit — installment loans, credit cards, and a mortgage, for example.
For more on evaluating and understanding your credit score, visit www.myfico.com.
Monday, July 11, 2011
5 Things to do Before Putting Your Home on the Market
2. Organize and clean. Pare down clutter and pack up your least-used items, such as large blenders and other kitchen tools, out-of-season clothes, toys, and exercise equipment. Store items off-site or in boxes neatly arranged in the garage or basement. Clean the windows, carpets, walls, lighting fixtures, and baseboards to make the house shine.
3. Get replacement estimates. Do you have big-ticket items that are worn our or will need to be replaced soon, such your roof or carpeting? Get estimates on how much it would cost to replace them, even if you don’t plan to do it yourself. The figures will help buyers determine if they can afford the home, and will be handy when negotiations begin.
4. Find your warranties. Gather up the warranties, guarantees, and user manuals for the furnace, washer and dryer, dishwasher, and any other items that will remain with the house.
5. Spruce up the curb appeal. Pretend you’re a buyer and stand outside of your home. As you approach the front door, what is your impression of the property? Do the lawn and bushes look neatly manicured? Is the address clearly visible? Are pretty flowers or plants framing the entrance? Is the walkway free from cracks and impediments?
Wednesday, July 6, 2011
Featured Property: Huge Price Reduction and/or Trade
HUGE price reduction to $599,500 (that's $69,500 lower)! And another thing to consider is: the owners are willing to trade for property in Bridgewater, Reunion or Silas Meadow in Dinsmor!
This beautiful custom-built home features a great floor plan with covered porches on 2 levels plus a separate screened porch! Awesome streamlined kitchen with custom cabinets, top-of-the-line appliances, SubZero fridge with cabinet panels. Each bedroom boasts walk-in closets. Large bedroom and bath over garage is perfect for guests or a mother-in-law suite. Fenced backyard. 5 bdr/4.5 baths.
Click here for more pictures and details about this property.
On your phone? Click here for the mobile-friendly link.
View the Virtual Tour below!
Rosemary Stovall, Owner/Broker
Prudential Gateway Real Estate
601.955.1522
Friday, July 1, 2011
5 Property Tax Questions You Need to Ask
There are some great deals to be had out there right now but as always, we all need to be informed consumers. Before you sign on the dotted line, make sure you know the answers to these property tax questions.
1. What is the assessed value of the property? Note that assessed value is generally less than market value. Ask to see a recent copy of the seller’s tax bill to help you determine this information.
2. How often are properties reassessed, and when was the last reassessment done? In general, taxes jump most significantly when a property is reassessed.
3. Will the sale of the property trigger a tax increase? The assessed value of the property may increase based on the amount you pay for the property. And in some areas, such as California, taxes may be frozen until resale.
4. Is the amount of taxes paid comparable to other properties in the area? If not, it might be possible to appeal the tax assessment and lower the rate.
5. Does the current tax bill reflect any special exemptions that I might not qualify for? For example, many tax districts offer reductions to those 65 or over.
1. What is the assessed value of the property? Note that assessed value is generally less than market value. Ask to see a recent copy of the seller’s tax bill to help you determine this information.
2. How often are properties reassessed, and when was the last reassessment done? In general, taxes jump most significantly when a property is reassessed.
3. Will the sale of the property trigger a tax increase? The assessed value of the property may increase based on the amount you pay for the property. And in some areas, such as California, taxes may be frozen until resale.
4. Is the amount of taxes paid comparable to other properties in the area? If not, it might be possible to appeal the tax assessment and lower the rate.
5. Does the current tax bill reflect any special exemptions that I might not qualify for? For example, many tax districts offer reductions to those 65 or over.
There is much to think about in real estate and I'd love to help guide you through the process! Give me a call.
601-955-1522
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